YOUR PARTNER FOR

FINANCIAL WELLNESS

9/2018

What is SECU

❑ Established by state employees in 1937, SECU is a not-for-profit financial cooperative owned by its members

❑ SECU’s membership consists primarily of NC State Government and Public School employees and their immediate family members

How SECU Can Help

State Employees’ Credit Union offers a variety of

products and services to help members create and

maintain a financial plan through all phases of life.

SECU Share and Deposit Accounts

Savings

❑ Share Account

❑ Money Market Share Account

❑ Share Term Certificate

❑ FAT CAT and Zard Share Accounts for Youth

Checking

❑ Interest Bearing

Checking Account

❑ Debit Cards

❑ Online BillPay

❑ Convenient ATMs

Retirement*

❑ Traditional IRA

❑ Roth IRA

❑ SEP IRA

*Investment IRAs offered through Credit Union Investment Services (covered later)

The National Credit Union Administration (NCUA) insures funds on deposit with SECU. The basic insured amount for a credit union member is $250,000.

SECU Loans and Lending Services

Personal

❑ Signature Loan

❑ Share Secured Loan

❑ Salary Advance Loan

❑ Share Term Certificate Secured Loan

❑ VISA® Credit Card

Auto

❑ New Vehicle

❑ Used Vehicle

❑ Car Buying Service

❑ Auto Power Program

Mortgage

❑ Adjustable Rate Loan (ARM)

❑ Fixed Rate Loan

❑ Home Equity Line of Credit

❑ Construction Loan

SECU Financial Advisory Services

Credit Union Investment ServicesWholly-owned subsidiary of SECU; NC Registered Investment Advisor

❑ Review members’ goals, financial circumstances,

tolerance for market risk and time horizon

❑ Review statements from other financial institutions:

analyze asset allocation & expense

❑ Recommend low-cost, well-diversified mutual fund

investments

Investment advisory services offered through Credit Union Investment Services. Securities offered through SECU Brokerage Services. Member FINRA, SIPC. Securities products are not credit union deposits. They are not obligations of or guaranteed by a credit union or its affiliates. They are not insured by the NCUA or any federal government agency. Securities products involve investment risks, including possible loss of principal. Investment representatives are also credit union employees, who may accept deposits.

SECU Financial Advisory Services

Tax Preparation Services❑ Low-Cost Service

❑ TurboTax ® via www.ncsecu.org

Financial Counseling❑ Credit Report Review

❑ Spending Plan Review

❑ Debt Elimination Counseling

❑ Future Financial Goals Discussion

Retirement Planning ❑ Pre-retirement - retiring in over 3 years

❑ Nearing retirement - retiring in 3 or less years

❑ During retirement

SECU Financial Advisory Services

Insurance Services❑ Homeowners, Auto and other Personal Lines

(motorcycle, boat, etc.)

❑ Health Insurance

❑ Term and Whole Life Insurance

❑ Immediate and deferred annuities

❑ FAT CAT and Zard Group Life Insurance

Education Planning❑ FAFSA Assistance

❑ NC 529 vs. Coverdell ESA Advice

SECU Financial Advisory Services

Estate Planning & Trust Services❑ “When should I create an estate plan and where do I begin?”

❑ SECU’s Estate Planning Essentials Program

❑ Corporate Trustee services

❑ Corporate Executor services

Trust Services offered through MEMBERS® Trust Company, a federal thrift regulated by the Office of

the Comptroller of the Currency. Trust products are not credit union deposits, are not insured by the

NCUA or any other federal government agency, are not obligations of or guaranteed by the credit

union, MEMBERS® Trust Company or any affiliated entity, and involve investment risks, including the

possible loss of principal. The material above is for educational purposes only and is not intended to

provide legal or tax advice regarding your situation. For legal or tax advice, please consult your

attorney and/or tax professional

Making the Connection

Agency HR Representatives learn of SECU resources and provide information to Regional HR Offices

Regional HR Offices use SECU information for individual employee referrals and/or schedule group financial education events

SECU branch representatives work with Member Education and Outreach Department to provide ongoing resources

Resources for Groups

Accounts/Services Information Packets

New Employee Orientations

Benefits/Wellness Fairs

Lunch and Learns

Volunteer Opportunities

Webinars

Financial Education Presentations

Financial Education Topics

Planning for the future

“Retraining” money behaviors

Debt Management

Homeownership

Saving for college

Financially protecting loved ones

Keeping assets safe

Retirement planning

Wealth building

HOW TO CONTACT US

Visit www.ncsecu.org for a complete list of SECU

locations or call 24/7 Member Services at 1-888-

732-8562 for more information.

Member Education and Outreach Department

Phone: 888-478-4648

Email: membereducation@ncsecu.org